When you have a dental insurance plan from your employer, completing your most important dental appointments (i.e. routine checkups) becomes not just more affordable, but predictable. It’s one of the best ways to maintain a healthy smile for life and make sure no dental problems appear when you least expect them. However, many people are still unsure how to make the most of their benefits. Below, we hope that the following information helps you be better prepared prior to your first visit.
While people assume that dental insurance works in the same way as medical insurance, this is actually not the case. For example, while medical insurance is generally used for handling more severe illnesses or injuries, dental insurance should be used at least every six months. Preventive forms of care, including exams, cleanings, and X-rays, are covered at or close to 100% by dental insurance benefits. When you visit our dental office, we’ll make sure that you understand your coverage upfront so you aren’t caught off by guard by surprise out-of-pocket fees.
Every dental plan is going to have its own unique stipulations you’ll have to keep in mind. With that said, most plans will cover types of dental treatments in the same way. This includes preventive services and different levels of restorative treatments. Most plans break down in the following way:
When you choose a dentist that is “in-network” with your dental insurance plan, it generally means that dental office has agreed to a contract established by the insurance company that says they will charge a specific amount for certain treatments. It generally leads to higher savings compared to being out-of-network, but that does not necessarily mean that you can’t receive care via an out-of-network plan. In many cases, out-of-network plans can receive comparable savings thanks to our fair dental fees.